Have you ever noticed how security questions on your most critical accounts (f.e. your bank website) seem to require such insecure answers?
These always struck me as questions that could easily be answered by a resourceful person with access to my social circle, or the internet. Why then would I put up these answers to protect my life's savings?
I would not. I do not.
Early on I decided to give false answers to security questions. First I tried derivative answers, that is an answer that the correct answer reminded me of. This system seemed dangerously easy to forget. My next idea has endured; I reform the question itself as the answer. The key here is that only I know how I reform the question, so only I can answer it: even my own mother cannot tell my bank what my mother's maiden name is.
For an example of this that doesn't betray my method, I link the below; a description of someone else's.